Wenavigfinancial

Nasiraan ka na ba ng credit card?
or nasira ang buhay dahil sa credit card? ✌️

Minsan, madaling makalimot na credit card is a tool—not free money. Pag walang plano, madali kang mahulog sa trap ng overspending, only to feel stressed when the bills arrive.

I know this because karamihan ng coaching clients ko with debt, around 75% ay dahil sa credit card. What I appreciate about them? They admit it's their responsibility and they're ready na to make a change. Rather than focusing on guilt, we focus on the solution. 💪

A lot of people are putting credit cards in a bad light. Gets naman. Pero here's a fact: Credit cards can work FOR you, not against you, if you're mindful. As for me, I’ve had this credit card for around 6 years na kaya finally pinalitan na ng bago with a higher limit.

Plan your purchases, buy only what you can afford, and take advantage of rewards or points. If used wisely, credit cards can actually help you build good credit standing or manage REAL emergency expenses.

Remember, hindi masama ang credit card. Bad spending habits lang ang kalaban. Kaya ikaw, kung pakiramdam mo ay napapasama ka na, pause and re-evaluate.

Wag na hayaang umabot pa yan ng 6-digits. Instead of letting it control you, use your credit card to reach your financial goals.

Here's how:
✅ Set clear spending boundaries. Kung maaari 'wag gagastusin ang pera na wala pa naman sa'yo (naku #1 ito na cause ng cc debt)
✅ Monitor your expenses weekly
✅ Pay your full balance on time, every time
✅ Use perks and rewards strategically for things you already planned to buy. Don’t justify the expense with “sayang yung promo”
✅ Isama ko na din na keep your card details secure - never share OTP or CVV with anyone

At the end of the day, you should be in control of your money, not the other way around. 💳

📌Ready to break free from credit card debt (and any other type of debt)? Join our community MIP Powerhouse to support you in building better spending habits.

👉 If you want faster results and pay off your debts faster, check my ultimate guide: The Debt-Free Playbook + Toolkit! Link in the comments.

🫣🫠🤑

When you're 25, life will hit you hard.

You'll understand the saying "money doesn't grow on trees." You'll work, pay for the house and bills, then work again. Repeat.

You'll miss your younger self, with fewer responsibilities and not knowing much about the world.

There will be nights when you'll count your hours of sleep. You'll wake up to work for money, finding another side hustle to earn more.

The reality is, now that you're grown, the burden you carry is heavier.

At 25, 27, or 30, you'll realize you're not just chasing your own dreams anymore. You strive to give your loved ones the best this life could offer.

-Prince Umpad

What's your plan for tomorrow?

📣📣Tuloy lang po registration para sa ating raffle📣📣 ang mga hindi nakapa register mula June 01 na mga suki na nakabili ng worth P100.00 ay maaari pa makapalista.
Hanapin lang po si Tita Lorrs at magsulat sa aming logbook ✍️ ng inyong Full name at cp # (optional ang cp # dahil ipopost ang name ng winner sa fb page)

Thank you mga ka Tita at Tito 🤗

Deadline of registration is June 30,2023 7:00 pm.

We know you only want the best for your siblings. So why not give them the gift of security?

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ADVICE TO ALL EMPLOYEES

1. Build a home earlier. Be it rural home or urban home. Building a house at 50 is not an achievement. Don't get used to government houses. This comfort is so dangerous. Let all your family have good time in your house.

2. Go home. Don't stick at work all the year. You are not the pillar of your department. If you drop dead today, you will be replaced immediately and operations will continue. Make your family a priority.

3. Don't chase promotions. Master your skills and be excellent at what you do. If they want to promote you, that's fine if they don't, stay positive to your personal.
development.

4. Avoid office or work gossip. Avoid things that tarnish your name or reputation. Don't join the bandwagon that backbites your bosses and colleagues. Stay away from negative gatherings that have only people as their agenda.

5. Don't ever compete with your bosses. You will burn your fingers. Don't compete with your colleagues, you will fry your brain.

6. Ensure you have a side business. Your salary will not sustain your needs in the long run.

7. Save some money. Let it be deducted automatically from your payslip.

8. Borrow a loan to invest in a business or to change a situation not to buy luxury. Buy luxury from your profit.

9. Keep your life,marriage and family private. Let them stay away from your work. This is very important.

10. Be loyal to yourself and believe in your work. Hanging around your boss will alienate you from your colleagues and your boss may finally dump you when he leaves.

11. Retire early. The best way to plan for your exit was when you received the employment letter. The other best time is today. By 40 to 50 be out.

12. Join work welfare and be an active member always. It will help you a lot when any eventuality occurs.

13.Take leave days utilize them by developing yr future home or projects..usually what you do during yr leave days is a reflection of how you'll live after retirement..If it means you spend it all holding a remote control watching series on Zee world, expect nothing different after retirement.

14. Start a project whilst still serving or working. Let your project run whilst at work and if it doesn't do well, start another one till it's running viably. When your project is viably running then retire to manage your business. Most people or pensioners fail in life because they retire to start a project instead of retiring to run a project.

15. Pension money is not for starting a project or buy a stand or build a house but it's money for your upkeep or to maintain yourself in good health. Pension money is not for paying school fees or marrying a young wife but to look after yourself.

16. Always remember, when you retire never be a case study for living a miserable life after retirement but be a role model for colleagues to think of retiring too.

17. Don't retire just because you are finished or you are now a burden to the company and just wait for your day to die. Retire young or whilst energetic to enjoy waking up for a cup of coffee, enjoy the sun, receive money from your business, visit nice place that you missed and spend good time with family. Those who retire late, spend about 95% of their time at work than with their family and that's why they see it difficult to spend time with their family when they retire but end looking for another job till they die. If they don't get another job, they die early.

18. Retire at your house than at government accommodation so that when you retire you can easily fit into the society that raised you. It's not easy to adjust to live in a location after spending more years at company house or at government house.

19. Never let your employment benefits make you forget about your retirement. Employment benefits are just meant to make you relax, get finished whilst time is moving. Remember when you retire no one will call you boss if you don't have a viable business.

20. Don't hate to retire because one day you will retire either voluntarily or involuntarily.

Hope this will help you look at life positively

Yung galit na galit na din ung may ari ng halaman kasi kalbo na yung mga halaman niya daig pa tinamaan ng bagyo. 😂

Kapagod maging adult 🥲, nakakamiss maging bata. 😪